Search found 857 matches

by MotoTrojan
Tue Dec 12, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: What's the case for including foreign developed & emerging markets with a 10-12 year outlook on retirement
Replies: 60
Views: 2502

Re: What's the case for including foreign developed & emerging markets with a 10-12 year outlook on retirement

Actually, my % in foreign equities in the past has always been pretty solid and I was now considering pulling back after liquidating my 401k and reinvesting after running some portfolio backtesting. Then after the responses here I have decided to stick with 20-30% I had before. So really it's no ch...
by MotoTrojan
Tue Dec 12, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: What's the case for including foreign developed & emerging markets with a 10-12 year outlook on retirement
Replies: 60
Views: 2502

Re: What's the case for including foreign developed & emerging markets with a 10-12 year outlook on retirement

I would still like to balance a "hedged approach" with an optimistic outlook on stocks. So with our time horizon of 12 years in accumulation phase I would still like to be moderately aggressive bearing in mind that rebalancing to different weightings of stocks: bonds can still be made over the next...
by MotoTrojan
Tue Dec 12, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: What's the case for including foreign developed & emerging markets with a 10-12 year outlook on retirement
Replies: 60
Views: 2502

Re: What's the case for including foreign developed & emerging markets with a 10-12 year outlook on retirement

I would still like to balance a "hedged approach" with an optimistic outlook on stocks. So with our time horizon of 12 years in accumulation phase I would still like to be moderately aggressive bearing in mind that rebalancing to different weightings of stocks: bonds can still be made over the next...
by MotoTrojan
Tue Dec 12, 2017 1:16 am
Forum: Investing - Help with Personal Investments
Topic: What's the case for including foreign developed & emerging markets with a 10-12 year outlook on retirement
Replies: 60
Views: 2502

Re: What's the case for including foreign developed & emerging markets with a 10-12 year outlook on retirement

I am now leaning towards something like the below 7 ETF portfolio... 50% US Equities 20% S&P500 - IVV 10% US Total - ITOT 10% Large Cap Growth - IUSG 10% Small Cap - IJR 20% Foreign Equities 10% Developed Markets ex US - IEFA 10% Emerging Markets - IEMG 30% US Bonds - AGG Overall the fraction of ex...
by MotoTrojan
Tue Dec 12, 2017 12:45 am
Forum: Investing - Help with Personal Investments
Topic: What's the case for including foreign developed & emerging markets with a 10-12 year outlook on retirement
Replies: 60
Views: 2502

Re: What's the case for including foreign developed & emerging markets with a 10-12 year outlook on retirement

I am now leaning towards something like the below 7 ETF portfolio... 50% US Equities 20% S&P500 - IVV 10% US Total - ITOT 10% Large Cap Growth - IUSG 10% Small Cap - IJR 20% Foreign Equities 10% Developed Markets ex US - IEFA 10% Emerging Markets - IEMG 30% US Bonds - AGG Overall the fraction of ex...
by MotoTrojan
Mon Dec 11, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Echo Dot 2nd Gen: What do I do with this gift?
Replies: 12
Views: 1075

Re: Echo Dot 2nd Gen: What do I do with this gift?

I bought this as a present for my mom's 90th birthday this month. She LOVES it! Raves every time I call (which is a lot), tells her friends and everyone. Keeps her a lot of company in her retirement home. She asks it to play music, weather, games, audiobook reading, news... I even sent her a list o...
by MotoTrojan
Thu Dec 07, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about Taxable Account and paying Taxes
Replies: 4
Views: 532

Re: Confused about Taxable Account and paying Taxes

May consider dropping the target fund and just managing your own 3-fund.

Bonds in 401k ideally, with ROTH open to anything but ideally equity, and then equity in taxable as you have it.
by MotoTrojan
Wed Dec 06, 2017 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Factoring in value as a strategy
Replies: 10
Views: 954

Re: Factoring in value as a strategy

My personal opinion is that tilting to size, value, or other factors is something to do only when you don't have to ask if you should. That is intended as a seriously helpful remark and not as a put-down. The actual data once surveyed on this forum is that more than half of respondents claimed at t...
by MotoTrojan
Wed Dec 06, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: 18 Year old Wants To Start Investing in Roth IRA
Replies: 5
Views: 534

Re: 18 Year Old Wants To Start Investing In Roth IRA

Can only contribute as much as you made in taxable wages that year, don't forget.

At 18 I see nothing wrong with 100% stock. Eventually perhaps add some International and learn about maintaining your AA that way.
by MotoTrojan
Wed Dec 06, 2017 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: 50k excess emergency funds. UPDATE.
Replies: 9
Views: 1577

Re: 50k excess emergency funds. UPDATE.

If you stick with your plan, go ahead and put it in a similar fund in taxable. If you get gains, you pay tax to move it into the tax-advantages; oh well. If you get loses, you still receive same number of shares in tax-advantaged, but report a loss and save taxes. No reason to sit on excess cash fo...
by MotoTrojan
Wed Dec 06, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help for Mom - Retiring, Windfall, Edward Jones
Replies: 9
Views: 1897

Re: Help for Mom - Retiring, Windfall, Edward Jones

At a minimum, while getting the plan in place, ensure dividend reinvestment is turned off such that all dividends go to your settlement fund. That'll help with the single-stocks, expensive funds, and not sure about single-bonds... might just sell those right-off if you prefer a bond-fund.
by MotoTrojan
Tue Dec 05, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: 50k excess emergency funds. UPDATE.
Replies: 9
Views: 1577

Re: 50k excess emergency funds. UPDATE.

If you stick with your plan, go ahead and put it in a similar fund in taxable. If you get gains, you pay tax to move it into the tax-advantages; oh well. If you get loses, you still receive same number of shares in tax-advantaged, but report a loss and save taxes. No reason to sit on excess cash for...
by MotoTrojan
Mon Dec 04, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1116315

Re: U.S. stocks in freefall

I just wanted to wish all the buy & hold investors HAPPY QUADRUPLE DAY! The S&P 500 index hit a great recession low of 666 in 2009. Earlier today, it exceeded 2665. Simple math (and I'm not even including dividends). 8-) I plan to sell 1% equities today if it is above 2662 at 3:50PM. And buy what? ...
by MotoTrojan
Mon Dec 04, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3346

Re: Understanding the World of Credit Card "Points"

I've never been interested in points. But I do have the Citibank DoubleCash card that gives me 2% back on all purchases. Other than one other credit card that I keep for emergencies should my primary get hacked or I need additional balance room for a bigger purchase, I don't have any others and don...
by MotoTrojan
Mon Dec 04, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Hard time deciding how much to spend on rent
Replies: 24
Views: 1397

Re: Hard time deciding how much to spend on rent

That is about what it would cost to have a decent spread of places (nothing super fancy) where you can live alone, and 20-25% net is normal even with a roommate (separate rooms, this is what I have now). I am working on getting a situation that would get me under 15% net myself, so I feel your pain,...
by MotoTrojan
Sun Dec 03, 2017 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Tax implications of balancing/exchanging funds
Replies: 9
Views: 588

Re: Tax implications of balancing/exchanging funds

No need to keep your desired allocation in each account. You can sell US stocks and buy int'l stocks in your 401k without tax consequences. Exchange enough so your portfolio as a whole approximates your desired allocation. Thanks! Isn't it ideal though to have the highest return assets in the 401k?...
by MotoTrojan
Sun Dec 03, 2017 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: VTINX for cautious mom with only taxable?
Replies: 6
Views: 1008

Re: VTINX for cautious mom with only taxable?

Hello Bogleheads. I’ve been on this site for years and have learned a tremendous amount about investing from you all. However, I’ve never had any need for taxable accounts. My mom has asked me for help with her investments and they are only in taxable so I want to make sure I have a full grasp befo...
by MotoTrojan
Sun Dec 03, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Why should I look globally at my portfolio between taxable and non taxable accounts ?
Replies: 13
Views: 1053

Re: Why should I look globally at my portfolio between taxable and non taxable accounts ?

I don't get it... I cannot sell what is in my tax deferred account for my short term needs. So let say I have 100% stock in my taxable account, and I lose 50%: I can not sell anything in my tax deferred account to compensate... And the opposite is the same if I'm more conservative. The money that I...
by MotoTrojan
Sun Dec 03, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Tax implications of balancing/exchanging funds
Replies: 9
Views: 588

Re: Tax implications of balancing/exchanging funds

Not sure I understand the response with regards to dividends. You pay the same tax no matter if you reinvest or not, so yes, having that go to your settlement fund and using it to purchase an under weight asset is nearly always better than selling and taking a further tax hit. Strongly suggest you s...
by MotoTrojan
Sun Dec 03, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for taxable money for a 30 year old?
Replies: 12
Views: 1279

Re: Asset allocation for taxable money for a 30 year old?

Bonds bad for taxes and my statement about less control of overall AA. Big difference between emerging markets and USA.
by MotoTrojan
Sun Dec 03, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Moving inheritance taxable account to retirement accounts?
Replies: 21
Views: 1579

Re: Moving inheritance taxable account to retirement accounts?

Many on retirement wouldn’t go that high in bonds. If you’re a nervous type, 30-40% bonds. If not, I’d go 20-25% with a plan to taper off as you approach retirement.
by MotoTrojan
Fri Dec 01, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 89
Views: 4023

Re: Is an investment account the best choice for me (new guy)

Buy the Lifestrategy whenever you can, reinvest your dividends, and do not sell it until retirement. When you start getting taxable income, contribute to a Roth ($5500 max a year, you have until April of following year to contribute to previous ones) before contributing to your taxable. Sell the Pep...
by MotoTrojan
Fri Dec 01, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for taxable money for a 30 year old?
Replies: 12
Views: 1279

Re: Asset allocation for taxable money for a 30 year old?

Is there some heuristic for when (in terms of total portfolio $$ amount) to make this switch, or what % of bonds I should keep in taxable to withstand some downturn? I'm fairly comfortable with my tax advantaged asset allocation as it currently stands, and I like that I basically don't have to pay ...
by MotoTrojan
Fri Dec 01, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Should One Allow an EV's Batteries to Fully Discharge Before Re-charging?
Replies: 4
Views: 451

Re: Should One Allow an EV's Batteries to Fully Discharge Before Re-charging?

Absolutely not. As mentioned, the tech and battery-management is much better, but lithium ion batteries still degrade much more quickly when at the extremes (full or dead). This is a major reason phone batteries don't last long, as most people just let them charge to full and leave them for hours. T...
by MotoTrojan
Fri Dec 01, 2017 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA - uh oh
Replies: 18
Views: 2237

Re: Backdoor Roth IRA - uh oh

How can I calculate if we should have done a Backdoor Roth IRA contribution? (Gross HH Income) - (401k contributions) - (Taxes) = AGI? ($257,000) - ($36,000) - (Unknown) = AGI? Is that right? No. Taxes are after the AGI, not before. You're above the limit. If I did contribute to the Roth IRA and sh...
by MotoTrojan
Fri Dec 01, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8301

Re: Want to sell my Bitcoin, but when?

Sell enough to cover the $7K after-tax, and then let it ride :). Maybe decide on an exit.
by MotoTrojan
Fri Dec 01, 2017 6:51 pm
Forum: Investing - Theory, News & General
Topic: BH philosophy on restricted stock units and employee stock purchase program?
Replies: 27
Views: 1280

Re: BH philosophy on restricted stock units and employee stock purchase program?

Concerning the employee stock purchase program I would suggest to pass on it. That it doesn't allow you to sell immediately and only a 15% discount means it isn't a good deal. The potential fluctuation over a 1 year period far outweighs the 15% discount. The 15% discount is a very normal, nothing s...
by MotoTrojan
Fri Dec 01, 2017 6:50 pm
Forum: Investing - Theory, News & General
Topic: BH philosophy on restricted stock units and employee stock purchase program?
Replies: 27
Views: 1280

Re: BH philosophy on restricted stock units and employee stock purchase program?

I agree a small amount at the 15% can’t hurt. Nice upfront gain. I held my rsus a while and thankfully they doubled before I sold 60%, but you never know. Private company so buybacks 1-2 times a year. Likely to dump the rest next round. No longer work there, insane valuation, but a CEO that has prov...
by MotoTrojan
Fri Dec 01, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for taxable money for a 30 year old?
Replies: 12
Views: 1279

Re: Asset allocation for taxable money for a 30 year old?

Is there some heuristic for when (in terms of total portfolio $$ amount) to make this switch, or what % of bonds I should keep in taxable to withstand some downturn? I'm fairly comfortable with my tax advantaged asset allocation as it currently stands, and I like that I basically don't have to pay ...
by MotoTrojan
Fri Dec 01, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Investing large lump sum in current market
Replies: 8
Views: 867

Re: Investing large lump sum in current market

That $65K you already invested sure sounds risky doesn't it. Might as well pull that out too until the correction. Your $100K is no different. Dive right in, especially at 26 years old. This market might have low expected returns but that doesn't mean today isn't a minimum looking forward. Don't set...
by MotoTrojan
Fri Dec 01, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1116315

Re: U.S. stocks in freefall

The market is tanking now. Could get interesting. Total US and Total Int. are now at -0.33% and -0.21% respectively; this is pretty mellow. My small-cap value (S&P600) is touching a -1% day (was way worse) but it also had some nice recent gains. Anyways though... I was getting sick of my car paymen...
by MotoTrojan
Fri Dec 01, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for taxable money for a 30 year old?
Replies: 12
Views: 1279

Re: Asset allocation for taxable money for a 30 year old?

You seem to have a solid understanding of the basics. I would recommend you start looking at your portfolio as one entity, and ditch all the target retirement type accounts. Come up with your desired AA, then tax efficiently place funds. Only things that should really be in your taxable, assuming yo...
by MotoTrojan
Fri Dec 01, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help me recreate VTSAX from these funds
Replies: 7
Views: 670

Re: Help me recreate VTSAX from these funds

Head over to portfolio visualizer and compare S&P500 to TSM... nearly identical. But the above 80/20 is the way, I just wouldn’t bother. I hold TSM where I can, but consider S&P500 equivalent and also designate it as my tax loss harvest partner. I agree S&P 500 and total stock market index funds ha...
by MotoTrojan
Fri Dec 01, 2017 1:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1116315

Re: U.S. stocks in freefall

I don't see why you don't play a game of Chicken. Who will blink first? I am making our Roth IRAs have less risky equities in them. I am selling DGS (small-cap emerging markets, up 60% since grap0013's market call) in the Roths and buying DGS in tax-deferred. I am selling Total US stock market in t...
by MotoTrojan
Fri Dec 01, 2017 1:15 am
Forum: Investing - Help with Personal Investments
Topic: Help me recreate VTSAX from these funds
Replies: 7
Views: 670

Re: Help me recreate VTSAX from these funds

Head over to portfolio visualizer and compare S&P500 to TSM... nearly identical. But the above 80/20 is the way, I just wouldn’t bother. I hold TSM where I can, but consider S&P500 equivalent and also designate it as my tax loss harvest partner.
by MotoTrojan
Thu Nov 30, 2017 8:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1116315

Re: U.S. stocks in freefall

I don't see why you don't play a game of Chicken. Who will blink first? I am making our Roth IRAs have less risky equities in them. I am selling DGS (small-cap emerging markets, up 60% since grap0013's market call) in the Roths and buying DGS in tax-deferred. I am selling Total US stock market in t...
by MotoTrojan
Thu Nov 30, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: To sell or not
Replies: 3
Views: 502

Re: To sell or not

Assuming you’re in the 15-20% cap gains, you’d be better off selling after a big drop, if you reinvested in similar VG funds.
by MotoTrojan
Thu Nov 30, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Got cash ... What to buy?
Replies: 10
Views: 1174

Re: Got cash ... What to buy?

Do you have tax-advantaged space? Make sure to invest tax-efficiently overall. Consider portfolio as one.
by MotoTrojan
Thu Nov 30, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Where Deploy Capital with Market being where it is?
Replies: 9
Views: 498

Re: Where Deploy Capital with Market being where it is?

Also I agree 80/20 seems reasonable for a 35 year old if these are all retirement assets.

With the newborn, maybe put $50K of that sideline money into a 529 and by the time they are college age it may fully fund their education, or most of it.

Also I assume you have a healthy emergency fund.
by MotoTrojan
Thu Nov 30, 2017 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Where Deploy Capital with Market being where it is?
Replies: 9
Views: 498

Re: Where Deploy Capital with Market being where it is?

I'd want growth assets in my Roth, and transition those bonds over to the 401k. Also would consider doing the same with bonds in Taxable, unless you need them near-term. I didnt have any more room in my 401K. I could always sell SLMCX Fund which crushed it the past 3 years and move to PTTRX then bu...
by MotoTrojan
Thu Nov 30, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: FIL Recently Passed. Portfolio Review? Super Duper Thanks Everyone
Replies: 17
Views: 1860

Re: FIL Recently Passed. Portfolio Review? Thanks Everyone *Sandtrap

In the state of Texas at least, jointly held taxable assets get a full step-up basis when one spouse dies. Check with the laws of the state of residence. If this is the case, sell all at that time. When reallocating though, fill the tax-advantaged space with bonds before adding any bonds in taxable...
by MotoTrojan
Thu Nov 30, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1766

Re: Reduce risk tolerance - Vanguard Target Funds

Mental accounting. I agree to pick one AA (2040 perhaps) and stick with it.
by MotoTrojan
Thu Nov 30, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Where Deploy Capital with Market being where it is?
Replies: 9
Views: 498

Re: Where Deploy Capital with Market being where it is?

I'd want growth assets in my Roth, and transition those bonds over to the 401k. Also would consider doing the same with bonds in Taxable, unless you need them near-term.
by MotoTrojan
Thu Nov 30, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Where Deploy Capital with Market being where it is?
Replies: 9
Views: 498

Re: Where Deploy Capital with Market being where it is?

You should list the names of those funds. Also all the answers will have the same theme: pick an AA and stick with it, invest that cash now if you won't need it for 15+ years. Also with large taxable and advantaged assets, look into tax-efficient fund placement. Only things like Total US, Total Int,...
by MotoTrojan
Thu Nov 30, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: if IRA 100% invested..where is cash for buying opporunities?
Replies: 13
Views: 789

Re: if IRA 100% invested..where is cash for buying opporunities?

Most recommend a rules-based rebalancing strategy, rather than a scheduled one. 5% is a common one and should keep you from doing it too frequently. During accumulation though you should be regularly purchasing the lower asset, to reduce the need to sell (and take a tax or spread hit) to maintain b...
by MotoTrojan
Thu Nov 30, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Converting currency for the purposes of investing in the market?
Replies: 10
Views: 479

Re: Converting currency for the purposes of investing in the market?

Here's how I would look at it: I have no idea what the pound will do vs dollar or euro. I'd personally convert everything to pounds right now and as soon as it was usable, buy the investments that I want to buy. While I haven't had to convert currency, I have done this with RSUs and employee stock ...
by MotoTrojan
Thu Nov 30, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: if IRA 100% invested..where is cash for buying opporunities?
Replies: 13
Views: 789

Re: if IRA 100% invested..where is cash for buying opporunities?

Of course. :oops: So if our retirement AA is 50/50, we'd re-balance annually (or whenever) and automatically be "buying"..... Sorry. Not enough coffee. Most recommend a rules-based rebalancing strategy, rather than a scheduled one. 5% is a common one and should keep you from doing it too frequently...
by MotoTrojan
Thu Nov 30, 2017 11:30 am
Forum: Investing - Theory, News & General
Topic: if IRA 100% invested..where is cash for buying opporunities?
Replies: 13
Views: 789

Re: if IRA 100% invested..where is cash for buying opporunities?

That is what your bonds are for. Rebalance. Things are easier during accumulation; depending on your relative portfolio size to expenses, you may not be as comfortable selling your bonds, but that is the strategy (much like if you held a daily rebalancing target retirement fund). Also to recover fro...
by MotoTrojan
Wed Nov 29, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Cash & Bonds to Stocks Ratio Planning
Replies: 8
Views: 395

Re: Cash & Bonds to Stocks Ratio Planning

How big is the portfolio, and what is it held in? Ideally, in order to keep taxes low, you only rebalance with your purchases (buy whatever is low). If that isn’t sufficient, you should buy/sell tax-advantages assets. Selling taxable is a last resort.